Country Clutter (Bed & Breakfa vs Crown Trophy
Country Clutter (Bed & Breakfa vs Crown Trophy: Country Clutter (Bed & Breakfa costs $93K to $218K to open; Crown Trophy costs $38K to $419K. Country Clutter (Bed & Breakfa has 27 units, Crown Trophy has 44. SBA loan history: Country Clutter (Bed & Breakfa = 50 loans (46.0% default); Crown Trophy = 57 loans (7.0% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
Country Clutter (Bed & Breakfa vs Crown Trophy: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Crown Trophy requires the lower minimum capital commitment ($38K vs $93K for Country Clutter (Bed & Breakfa), a 145% spread. Initial franchise fees come in at $25K for Country Clutter (Bed & Breakfa versus $35K for Crown Trophy, Country Clutter (Bed & Breakfa has the lower entry fee. Ongoing royalty load is 5.5% for Country Clutter (Bed & Breakfa and 5% for Crown Trophy, giving Crown Trophy the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Crown Trophy operates 44 units to Country Clutter (Bed & Breakfa's 27. Crown Trophy has been operating 48 years (founded 1978) versus 35 for Country Clutter (Bed & Breakfa (founded 1991), a 13-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Crown Trophy has the deeper SBA lending track record, with 57 7(a) approvals compared with 50 for Country Clutter (Bed & Breakfa. Country Clutter (Bed & Breakfa's peak SBA year was 2001 (6 loans); Crown Trophy's peak was 2003 (5 loans). Crown Trophy's more recent peak generally indicates fresher lender appetite. Country Clutter (Bed & Breakfa has the most SBA funded units in CA, with 10. Crown Trophy leads in TX, with 8. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Country Clutter (Bed & Breakfa deals is $167K vs $130K for Crown Trophy, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 46.0% for Country Clutter (Bed & Breakfa and 7.0% for Crown Trophy, Crown Trophy has the cleaner SBA loss record by 39.0 points. PeerSense FPI scores come in at 23 (Fair) for Country Clutter (Bed & Breakfa and 46 (Fair) for Crown Trophy, giving Crown Trophy the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 23/100 | 46/100 |
Health Tier | Limited | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 50 | 57 |
SBA Volume | – | – |
Default Rate | 46.0% | 7.0% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $93K to $218K | $38K to $419K |
Franchise Fee | $25K | $35K |
Royalty Rate | 5.5% | 5% |
Ad Fund | N/A | 2% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 27 | 44 |
Franchised Units | 27 | 44 |
Company Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | 1991 | 1978 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | ALBANY, CA | Hawthorne, NY |
Category | All Other Miscellaneous Store Retailers | All Other Miscellaneous Store Retailers |
Website | ||
FDD Year | N/A | 2025 |
Which Is Better, Country Clutter (Bed & Breakfa or Crown Trophy?
Lower upfront capital required
Tie
Country Clutter (Bed & Breakfa: $93K starting · Crown Trophy: $38K starting
More SBA lender confidence
Crown Trophy
Country Clutter (Bed & Breakfa: 50 SBA loans · Crown Trophy: 57 SBA loans
Lower SBA default rate
Crown Trophy
Country Clutter (Bed & Breakfa: 46.0% · Crown Trophy: 7.0%
Larger system & brand presence
Tie
Country Clutter (Bed & Breakfa: 27 units · Crown Trophy: 44 units
Lower ongoing royalty load
Crown Trophy
Country Clutter (Bed & Breakfa: 5.5% · Crown Trophy: 5%
More lender financing options
Crown Trophy
Country Clutter (Bed & Breakfa: 15 unique lenders · Crown Trophy: 37 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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About These Franchises
Country Clutter (Bed & Breakfa vs Crown Trophy: Franchise Funding Comparison
Comparing Country Clutter (Bed & Breakfa and Crown Trophy is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $38K to $419K.
Country Clutter (Bed & Breakfa has 50 SBA loans on record and Crown Trophy has 57. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
Country Clutter (Bed & Breakfa vs Crown Trophy, Frequently Asked Questions
Which is a better franchise investment, Country Clutter (Bed & Breakfa or Crown Trophy?
How much does a Country Clutter (Bed & Breakfa franchise cost compared to Crown Trophy?
Can I finance Country Clutter (Bed & Breakfa or Crown Trophy with an SBA loan?
Which has a lower SBA default rate, Country Clutter (Bed & Breakfa or Crown Trophy?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman